There is no downside risk of applying for multiple categories now. Originally, if you drew multiple categories, you could hunt both permits, however you'd lose your points in both but still only be able to harvest one animal. A lot of hunters whined about it, and now you can return any permit you want 2 weeks prior to the starting date and get your points restored for that category - for any reason.
So now, everyone may as well apply for every category just in case you might want to hunt it. If you decide you don't want to as the season gets closer, just return the permit. This further tanked odds. A terrible idea with no foresight by the squeaky wheel hunters who somehow beat the odds and drew multiple in the same year.
I think I'm over 20 points now in quality bull/bull categories. Never did risk applying for both categories at the same time, but since the rule change, I do every year. I'm sure I'm not the only one, and it certainly hurts the odds for everyone.